INSK@»LHEERROELEESSIONAES Doug Hopkins, err, cuu 420 Main Street East, Suite 211 Milton, ON L9T 1P9 W CORE Wizzw._ mamvatins ruancias Question: I‘m 65 years old and sull working Should | apply for CPP now or wait longer! Answer: It depends. Do you need the extra income‘ If you have never applied for CPP, once you‘re 65, you will he eligible for 100% of your maximum pension amount. If you are still working, you will now have the option to stop paying into CPP and the Post Retirement Benetit (PRB) and your CPP benfit will be added to your annual income and taxed accordingly; however, you stull have the option to deter your CPP untl a later age and to receive a larger CPP Pension Just as the available CPP Pension was reduced tor « ach month prior to age 65, it is bumped up for each month that you defer taking CPP after age 65. It will increase to 0.7% more which is 8.4% per year You can defer ‘uppl\‘mu for CPP up to age 70. If you do so, your pension wili be larger and the taxes you pay may be lower. A 70 year »id first applying for CPP would receive 42% more than they would have by applying at age 65, 42% can be a significant amount! When you do your Retirement Income Cash Fow planning as part of your annual review with your advisor you can figure out if CPP deferral make sense for you. For more information on Retirement Income Planning, give me a call at 905â€"876â€"01 20 or send an email to doug hopkins@ipcc.org. # D MakCos 905 876 1188 "= += _ O ToryWan B.Sc., DDS. 39 8.Sc., DDS. www towne com sAaM . 39M You Missed that Spot It‘s not unusual for us to check someone‘s teeth at their checkup and cleaning appointment and find that they are doing a pretty decent job overall, but there‘s one area of the mouth that‘s obviously not getting brushed very well. Often it‘s close to the gums on the tongue sige of the lower molars or else on the lip sige of the lower incisors This is most likely because that person finds it awkward to reach those areas with the toothbrush and roll their wrist to effectively remove the plaque In addition, you should snend at least two minutes each time you brush your teeth. You may think you spend that amount of time, but you‘d probably be surprised if you timed yourself at how little time you actually spend The best solution for both of these problems is an electric toothbrush, whether it be rotary of SONI As long as you move slowly from tooth to tooth with an electrc brush, they will invariably do a much butter iob of plaaue contro! And nowadays they don‘t cost that much Several elect! toothbrushes have â€"+n ensure you spend the minima builtâ€"in timers to make it easie in‘t trie e amount of time brushing it you have not! how much cleaner you! | rth it small investm« nt. but well wort l w MARILYN J. SamueLs Family Law, Small Business & Mediation Milton 205â€"854â€"4942 www .fieldstonecentre.com @. I am separating from wife who was previousl married and has a daughter from that marriage. Am | responsigle for supporting her daughter? A. Blended families are increasingly common for Canadian children. In certain circumstances, upon a subsequent separation, adults in such families who have acted in the role or stead of a parent may have a legal obligation to contribute toward the support of their nonâ€"biological children of such blended relationships. Whether a person has stood in loco parentis, or in the place of a parent, is a factual question determined by the courts based on the individual circumstances of such families. The nature of the relationship between stepâ€"child and stepâ€"parent must be determined in light of the particular familial cireumstances Some of the factors the court may consider in deciding the issue are the duration and nature of the stepâ€"parenting relationship, the stepâ€"parent‘s involvement in the child‘s day â€"toâ€"day life, discipline, extraâ€"curricular activities, and schooling and the stepâ€"parent‘s financial contribution to the child to name just a few. Where a stepâ€"parent is found to have an obligation to pay child gpofl, the amount payable is determined with reference to the ild Suppor! Guidelines. Children may be entitled to full Guideline ' uppodfrommonfl\onompomt.mochildwppoflpoyoblebyo stepâ€"parent will not be reduced on the basis that additional support isncoivodorpayobbbyondh«pomt’ofhsomchild. Where there are multiple support payors, however, special expense claims under section 7 of the Guidelines are properly shared and Yvonne & Rui Oliveira 6941 Derry Road, Suite 203, Milton 905â€"875â€"3345 + www.hearsay.ca o n in m n mm e Q: My child has ear tubes, how do I prevent water from getting into his ears? A: Ear tubes or ‘ventilation tubes‘ are commonly inserted into the eardrum by an Ear, Nose and Throat doctor in order to prevent the accumulation of middle ear fluid. This is often seen in children who have chronic ear infections whe _ the fluid does not drain adequately and causes pain Children (and adults) with ear tubes need to be extra cautious in order to avoid water entering their ears or getting through the tubes in their ears Their ears should not be submerged in water as it can pass through and get behind the eardrum which can cause an ear infection Recent studies have shown that infections are more likely to occur in children who swim in chlorinated pools without ear plugs particularly when putting their head underwater for extended periods of time In the midst of spring and summer, children often spend a lot more time swimming in pools, swimming at the beac h, and taking swimming lessons. In order to ensure that water does not go through the ear tubes it is often recommended that cear plugs be worn Although many styles and types are available, custom swim plugs are ( onsidered to be the most effective at preventing water from entering the ears For older children who swim under water for extended periods of time. an aqua band (water head band) can be used to cover the ear plugs to keep them in place ind add extra protection Custom swim plugs requite impressions of the ear that t} plug n be made to fit every bump, and curve f the person‘s ca I P ; ind + the ears to take the exact ' -(’mnh\_\m\mww\nwfllkWu»xmn&.ummmk.fl-rm\ and muscle 905â€"878â€"2333 ; 180 Ontario St. S. Dr. John Kim, D.C. www.KimFamilyChiropractic.com Backpack Safety! Facts about Backpack injury Heavy backpacks can have a negative impact on the posture and spinal health of children The Amencan Academy of Orthopedists stated that $§§% have seen patients complaiming about hack or shoulder pain related to back packs Medical professsonals advise that individuals carry no more than 10â€"15% of their body weight on their back Many children. teens and adults are carrying up to 40(bs and are potentially injuning themselves Ways to prevent injury! Step 1: Choose Right. * Chooming the right size hackpack is the most important step to safe hackpack use * Choose a backpack with thickly padded shoulder straps â€" Nonâ€"padded straps dig into the shoulders causing pmn due to compression loading of the acromoâ€"clas icular jounts and stress on the trapezius muscles * Choose a backpack «ith a lumbar support â€" The lumbar cushion will redistnbute weight to the lower extremabes. creating a fulcrum that facihtates an upright standing position and good pusture that is essential for proper spinal health Tip Have a sales assooate/parent help you measure your backpack property Step 2: Pack Right * The maximum weigh of the loaded backpack should not exceed /$% of your body weight. so pack only what is needed * Distribute the weight property â€" Put the heavier stems on the botiom and against the back to keep the weight off of your shoalders ind maintain a better posture Tip If the backpack forces the wearer to move forward to carry. it‘s overioaded Step 3: Lift Right. * Face the Pack â€"Bend at the Knees â€" Use both hands and check the weight of the pack. Lift with the ley . . Apply one shoulder strap and then the other Keep the pack close to the body Carry only what you need Tip. Don‘t slimg the backpack onto one shoulder Step 4: Wear Right. * Use bath shoulder strips â€" snug. but not too tight spasms. low back pais and abnormal gait Tip: When the backpact has a warst strap â€" use it If vou have amy questions regarding posture of children‘s spinal health. please contact ou our website ENHANCE COSMETIC CENTRE & SPA Judith E. Finn â€" Director (ECC) y 30 Years Experience 238 Main St. E., Milton, ON, LIT 1N8 905â€"864â€"0000 email: laser@enhance.ca What is Microneedling? You may be familiar with microneedling tools; small rollerâ€" likeâ€"devices with tiny needles that roll over the skin as a facial rejuvenation technique. With its first market appearance in the 1990%, its appeal has wavered on and off, prim.. ily due to the unpleasant side effects of irritation and downtime New techniques in microncedling are based on the same concept as fractionated lasers, which create a controlled damage area that the surrounding skin will immediately begin to repair. With the latest in microneedling technology and the combination of IPL (photofacials) and microdermabrasion, th results are far more impressive. The benefits can include new collagen production, minimizing of fine lines and enlarges pores to diminished acne scars, sun damage and climinating blackheads. The tiny micro channels the technique produces also allows for better penetration of active ingredients for your daily skin regime At Enhance, we are offering both our Micro Facial, the wmWhinastion of micro semahracion with microncedling. as well as the Photorejevunation Facial, combining IPL with microncedling Complimentary consultations are offered to | I issess vour individual skin care need Single treatments and multiâ€"packages are iwailable to suit your personal nee | t a d onsultation with one of our laser experts 1 anv of your skin care Call or ) ( \ 1 tre d tabl â€"864â€"0000 * la 2 & ‘TT isn@ny Aepsiny} | Tp woy uoyjeyapisulâ€"mmm | NOIdWVHI NVIGYNVD NOLTIW | atoz